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Amortization Spreadsheet

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Fontanne Estelle June 3, 2021 Spreadsheet

Lester P. Goodbinder had suffered another agonizing week in Pittsburgh. The semi-annual audit he conducted at the Bourgeois Ball Bearing Factory stretched into five 14-hour days examining electronic spreadsheets on an archaic computer system installed in the early ‘80s. The equipment churned so abysmally he cleverly joked to himself it was powered by lazy hamsters on treadmills. Not only that, the accounting software loaded on the system was an early version of ”Abacus,” and only slightly faster than a key-punch adding machine but considerably slower than a hand-held calculator.

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If you wanted to make this spreadsheet into template, you would need to take two more steps. The first step would involve modifying the spreadsheet to display only the data that remains the same. If you are constantly changing certain cells, you would leave these cells formatted but blank. The last step involves saving this spreadsheet as a template. Once this is done, you would always have access to a clean spreadsheet that is formatted the way you want and ready for your modifications. Microsoft has hundreds of free templates available. You can also download templates that are already loaded in your version of Excel. They are typically located under the File/New or Office Button/New option. When downloading these business and personal templates, be sure to monitor the version of Office that the template applies to. They have templates available for all of the versions of the Office Suites.

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Angel Investors are typically much better investors for a long-term business plan that Venture Capitalists, although they do not come usually with the incredible network to help you succeed. Venture Capitalists are more interested in themselves and making money on their investment then what you get out of it or the future of the business with you in it. An angel investor is interested in you, the future of the business and the possibility of making a whole lot of money on their investment. Please consider all this when presenting your business plan to an Angel Investor.

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I don‘t think so. My husband and I weren‘t a great married couple but we were excellent business partners. We almost never, actually maybe NEVER, fought about money. We agreed on how to raise our kids and were always honest about our finances. He made a lot of money and I had some money of my own from my grandmother and would inherit when my parents died. I knew that we would be able to sort through these things better on our own. Most significantly, he LOVED to make spreadsheets and certainly would not be willing to pay someone else make one for him. I did some research on the internet to see what our options would be. I knew we couldn‘t do it ourselves but that we would need some assistance because our finances were complicated. I learned about divorce mediators, professionals who work with couples at an hourly fee to help them navigate the process. It sounded like it would work for us so we agreed to find one. And we did. Well, I did.

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Structured Query Language, often referred to as SQL, is a grammar of instructions that allows us to tell a relational database to add, modify or delete data. The key benefit, pardon the pun, of SQL is that it allows us to craft instructions relating large sets of data together. In this way SQL is the natural complement to the single cell and formula based interface of spreadsheets like Microsoft Excel. Imagine you had five hundred appointments from your business calendar laid out in a table. Each appointment might have a day, time, location and description. Now imagine you also had five hundred appointments from your partners business calendar, also each having a day, time, location and description.

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When Microsoft Excel is used to manipulate, store and analyse data it can become extremely difficult to manage, let alone efficiently work to produce any meaningful insights. This is because with data sets large and small, the data must be meaningful, logical, structured, internally consistent and clean. This holds true regardless of whether the data has been imported into excel from another system or manually entered. In this computing age, most people know that for any data set to be useable it must first be relatively structured and clean. A spreadsheet and its table layout naturally encourages data to be somewhat structured, however ensuring data is clean is also difficult.

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